A Smartphone and online banking

booneruk

Outeast1000 said:

Outeast1000 said:

I have always used a public PC with inPrivate  browsing to check my bank balance and transactions . Now i use my own  Android 12 Smartphone to do it 

My question is how safe is it to use my smartphone to do it ? is it 100% safe to do it ?

Also I should have mentioned when I used a public PC I used to get a text with a passcode sent to my  original phone not my smartphone to log in to my account . Now with my smartphone I do not get a text sent to my phone or the phone I used when I was using a public PC     . Now I enter my username ;  password and pin and I am logged in straight away 

Even more reason to not use a public PC then really. I hope you didn't tick any option that stated "remember me" or "remember this device" etc.

friolento

Outeast1000 said:

Outeast1000 said:

I have always used a public PC with inPrivate  browsing to check my bank balance and transactions . Now i use my own  Android 12 Smartphone to do it 

My question is how safe is it to use my smartphone to do it ? is it 100% safe to do it ?

Also I should have mentioned when I used a public PC I used to get a text with a passcode sent to my  original phone not my smartphone to log in to my account . Now with my smartphone I do not get a text sent to my phone or the phone I used when I was using a public PC     . Now I enter my username ;  password and pin and I am logged in straight away 

This has nothing to do with the phone technology but with the settings in your bank account, or on the device you are logging into. Did you change phone number?

TheBanker

Outeast1000 said:

Outeast1000 said:

I have always used a public PC with inPrivate  browsing to check my bank balance and transactions . Now i use my own  Android 12 Smartphone to do it 

My question is how safe is it to use my smartphone to do it ? is it 100% safe to do it ?

Also I should have mentioned when I used a public PC I used to get a text with a passcode sent to my  original phone not my smartphone to log in to my account . Now with my smartphone I do not get a text sent to my phone or the phone I used when I was using a public PC     . Now I enter my username ;  password and pin and I am logged in straight away 

That will be because they can recognise that your phone is a device you've used before and is associated with you. They won't be able to recognise the public computer in the same way, so use the text message as an extra layer of security. 

Bigwheels1111

I don’t have banking apps on my phone, I keep them on my iPad at home.
I don’t even carry a wallet or cards.
Emergency £20 note in phone case.
Google wallet pays for everything when I’m out.
Texts have content redacted, so I just see it but no info is shown.
Thats as safe as I can get it.

GeoffTF

Bigwheels1111 said:

I don’t have banking apps on my phone, I keep them on my iPad at home.
I don’t even carry a wallet or cards.
Emergency £20 note in phone case.
Google wallet pays for everything when I’m out.
Texts have content redacted, so I just see it but no info is shown.
Thats as safe as I can get it.

You would be safer with a card with a few quid on it. A worst case of few quid vs £20 + your phone + whatever you have on the cards in Google Wallet. That would not always work for everyone though. I sometimes carry a backup card separate from my decoy wallet and well hidden away.

Nasqueron

GeoffTF said:

Nasqueron said:

However, the FOS would not allow a bank to argue that the phone was compromised if it was using the OS software the bank stated was allowed without other evidence.

My point is that the bank does not have to argue that. They just have to argue that you have given your log in details away. It would be up to you to prove that the phone had been compromised. That would be expensive, unless you happen to be an IT security expert.

That's a response to a completely different point to the comment I made. Nowhere was I saying the bank couldn't say that. It's literally in the comment you quoted - I am solely talking about the bank trying to blame the customer's OS for the breach

GeoffTF

Nasqueron said:

GeoffTF said:

Nasqueron said:

However, the FOS would not allow a bank to argue that the phone was compromised if it was using the OS software the bank stated was allowed without other evidence.

My point is that the bank does not have to argue that. They just have to argue that you have given your log in details away. It would be up to you to prove that the phone had been compromised. That would be expensive, unless you happen to be an IT security expert.

That's a response to a completely different point to the comment I made. Nowhere was I saying the bank couldn't say that. It's literally in the comment you quoted - I am solely talking about the bank trying to blame the customer's OS for the breach

Yes, we agree on that. I expect that we would also agree that using Android 8 for banking apps is not sensible. I would not want to be hacked, have to prove to the bank that I had been hacked, had incurred a loss as a result, and had complied with all the bank's security requirements. I am sure that we agree that it is best not to get hacked in the first place.

Outeast1000

friolento said:

Outeast1000 said:

Outeast1000 said:

I have always used a public PC with inPrivate  browsing to check my bank balance and transactions . Now i use my own  Android 12 Smartphone to do it 

My question is how safe is it to use my smartphone to do it ? is it 100% safe to do it ?

Also I should have mentioned when I used a public PC I used to get a text with a passcode sent to my  original phone not my smartphone to log in to my account . Now with my smartphone I do not get a text sent to my phone or the phone I used when I was using a public PC     . Now I enter my username ;  password and pin and I am logged in straight away 

This has nothing to do with the phone technology but with the settings in your bank account, or on the device you are logging into. Did you change phone number?

   No I did not change my phone number with my bank if I get s text from them it is sent to my mobile not my smart phone